Missouri Take Home Pay Calculator
Missouri climbs through nine small graduated steps from 0% to 4.7%, after a standard deduction equal to the federal amounts in this model.
This link contains the numbers entered. Nothing is uploaded anywhere — all math happens in the browser.
Not tax advice: This calculator provides estimates for educational purposes only. It is not tax, legal, or financial advice. Your actual paycheck is determined by your employer's payroll system and your W-4. Consider speaking with a qualified tax professional about your situation.
Assumptions disclosed: Estimates use an annualized model: your annual tax is calculated from 2026 federal and state rules and divided evenly across your paychecks. Actual per-paycheck withholding uses IRS Publication 15-T tables and may differ. Bonuses, overtime, credits, deductions beyond the fields shown, and local taxes (except an amount you enter) are not modeled. Amounts are rounded to the nearest cent.
Data sources / updated: Federal parameters: IRS Revenue Procedure 2025-32 (2026 tax year). State parameters: official state department of revenue sources, verified 2026-10-12; sources per state are listed in the methodology. Page last updated: 2026-10-20.
How your take-home pay is calculated in Missouri
Every figure on this page starts from annual pay. The calculator adds up a full year of gross pay, subtracts the pre-tax deductions entered (traditional 401(k), HSA contributions and health insurance premiums), and applies the 2026 federal brackets after the standard deduction — $16,100 for single filers and $32,200 for married couples filing jointly in the federal model used here. Social Security is calculated at 6.2% of FICA wages up to the 2026 wage base of $184,500, and Medicare at 1.45%, with the additional 0.9% Medicare tax on FICA wages above $200,000 (single) or $250,000 (married). Traditional 401(k) contributions do not reduce FICA wages; HSA contributions and health premiums paid through payroll do. The annual tax is then divided evenly across the paychecks in the chosen frequency. That is an annualized estimate: an employer payroll system withholds per paycheck using IRS Publication 15-T tables, the employee W-4 and year-to-date wages, so a real paycheck differs somewhat from the figures here, and the annual totals are the reliable comparison.
One further limit: the effect of HSA contributions and health premiums on state tax varies by state and is not modeled in this version; on the state side, only the 401(k) contribution is applied. All amounts are before tax credits and are rounded to the nearest cent.
In the verified 2026 model, Missouri applies graduated rates from 0% to 4.7% across 8 brackets. Taxable income is pay after traditional 401(k) contributions and a standard deduction of $16,100 for single filers or $32,200 for married couples filing jointly.
The Missouri calculation subtracts the contribution and the standard deduction, then walks the remainder through the nine small steps. The steps are narrow enough that the ladder acts almost like a flat 4.7% rate with a small built-in discount from the cheaper early slices. The deduction carries more weight: at the benchmark salary it shelters a quarter of pay for a single filer. The annual summary blends these into the effective rate, which lands between the deduction effect and the 4.7% top rate.
The full method, including what the model leaves out, is on the methodology page.
Worked example: take-home pay on $64,000 in Missouri
The example below uses the Missouri benchmark salary with a 5% traditional 401(k) contribution, paid every two weeks. The benchmark table shows how the state line grows across four salaries as the deduction shrinks in relative terms and more of each additional dollar is taxed at the 4.7% top rate.
Benchmark salary $64,000 — BLS QCEW 2024 average annual pay for Missouri, rounded to the nearest $1,000.
| Line | Per paycheck | Annual |
|---|---|---|
| Gross pay | $2,461.54 | $64,000.00 |
| 401(k) contribution | $123.08 | $3,200.00 |
| Federal income tax | $196.77 | $5,116.00 |
| Social Security | $152.62 | $3,968.00 |
| Medicare | $35.69 | $928.00 |
| State income tax | $73.86 | $1,920.27 |
| Net pay | $1,879.53 | $48,867.73 |
Benchmark: take-home pay at four salaries in Missouri
Single filer, no deductions entered. Annual net and net every two weeks, produced by the same engine as the calculator above.
| Gross salary | Annual net | Net every 2 weeks |
|---|---|---|
| $40,000 | $33,377.33 | $1,283.74 |
| $60,000 | $48,507.33 | $1,865.67 |
| $80,000 | $62,287.33 | $2,395.67 |
| $100,000 | $75,417.33 | $2,900.67 |
Missouri state income tax notes
Missouri taxes wages through nine graduated brackets in the verified model used here, starting at 0% on the first $1,348 of taxable income and rising in small steps of 2%, 2.5%, 3%, 3.5%, 4% and 4.5% to a top rate of 4.7% above $9,436. The standard deduction matches the federal amounts in this model: $16,100 single or $32,200 married filing jointly, applied after traditional 401(k) contributions. Since the top rate begins so low, most taxable pay is charged at 4.7%, softened by the large deduction in front.
In the verified 2026 model, Missouri applies graduated rates from 0% to 4.7% across 8 brackets. Taxable income is pay after traditional 401(k) contributions and a standard deduction of $16,100 for single filers or $32,200 for married couples filing jointly.
2026 Missouri income tax brackets in this model
| Taxable income | Rate |
|---|---|
| $0 to $1,348 | 0% |
| $1,348 to $2,696 | 2% |
| $2,696 to $4,044 | 2.5% |
| $4,044 to $5,392 | 3% |
| $5,392 to $6,740 | 3.5% |
| $6,740 to $8,088 | 4% |
| $8,088 to $9,436 | 4.5% |
| $9,436 and up | 4.7% |
Local taxes in Missouri
St. Louis and Kansas City levy a local earnings tax on wages. That local amount is not part of the Missouri state model above; an annual figure can be entered in the calculator local tax field, where it appears as its own line.
Source: Missouri Department of Revenue — https://dor.mo.gov/taxation/individual/tax-types/income/year-changes/ (checked 2026-10-12). Amounts are before credits.
Frequently asked questions
How much is $64,000 after tax in Missouri?
On a $64,000 salary in Missouri (single filer, $3,200 traditional 401(k) contribution, paid every two weeks), the estimated take-home pay is $1,879.53 per paycheck and $48,867.73 per year. Federal income tax is $5,116.00, FICA is $4,896.00, and Missouri state income tax is $1,920.27 for the year. Figures are annualized estimates before credits.
What is the take-home pay on a $60,000 salary in Missouri?
For a single filer with no deductions entered, a $60,000 salary in Missouri gives estimated annual take-home pay of $48,507.33 — $1,865.67 every two weeks. That is after federal income tax of $5,020.00, FICA of $4,590.00 and state income tax of $1,882.67.
What are the Missouri income tax brackets for 2026?
The verified model uses nine steps: 0% on the first $1,348 of taxable income, then 2%, 2.5%, 3%, 3.5%, 4% and 4.5% across narrow bands up to $9,436, and 4.7% above that, the same for single and joint filers. A standard deduction of $16,100 single or $32,200 married filing jointly applies first, after traditional 401(k) contributions.
Do St. Louis and Kansas City earnings taxes show up in this calculator?
The 1% earnings taxes levied by St. Louis and Kansas City are local taxes, not part of the Missouri state model on this page, and no assumed local rate is built into the state line. The calculator local tax field accepts an annual amount figured under city rules; it then appears as its own labeled line in the stub and annual summary.
How does a 401(k) contribution change take-home pay in Missouri?
A traditional 401(k) contribution is subtracted before federal income tax is calculated, so the federal line falls. Social Security and Medicare are worked out on pay before the 401(k) contribution, so the FICA lines stay the same. On the state side, this calculator applies the contribution inside the verified Missouri model, as described in the tax notes on this page. The stub recalculates every line when the contribution changes.
What changes between biweekly and semimonthly pay?
The annual tax is the same in this annualized model; only the division changes. Biweekly pay means 26 paychecks a year and semimonthly means 24, so each semimonthly check is larger while the yearly total lands in the same place. The frequency strip above the annual summary shows the same pay divided all four ways: weekly, every two weeks, twice a month and monthly.